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South Australians have thick skin when it comes to natural disasters. In fact, 90% of residents are prepared for the next natural disaster, more than any other state or territory.
Home insurance will protect you from a scorching bushfire, a flash flood that came out of nowhere or a break-in that happened when you were out of town. So make sure you're prepared.
The following are some of the main reasons South Australians need to think about buying home insurance:
It can be hard to know what to look for when buying home insurance in SA. These are the things worth considering before you buy a policy.
For an idea of how much home and contents insurance costs for the year in South Australia, check out the price comparison in the graph below.
Keep in mind that home insurance costs in South Australia vary depending on a number of factors such as location. For instance, if you live in a flood-prone area or where theft is high, your premiums are likely to be higher.
Similarly, the construction of your home and its value will affect the cost of home insurance since specific building materials are more likely to resist damage and be cheaper to repair. Other factors include the security measures you've taken to protect it and the value of the belongings in your home.
It's also important to be aware that stamp duty applies to South Australian home insurance premiums at a rate of 11%. Make sure you factor this cost into your calculations when working out how much cover you can afford.
The vast majority of Australian home insurers offer their policies to homeowners Australia-wide. This means South Australian residents can access cover from any of the leading insurers found in the finder.com.au home insurance panel, including the following:
Before deciding whether a policy is right for you, make sure you take a close look at the PDS and its list of general exclusions. For example, no cover will be available in the following situations:
Find out what your home insurance may cover you for if your property has been impacted by the severe weather of Ex-Cyclone Seroja. Plus, how to speed up your claim.
Read more…Two insurance experts have urged Australians to look at their policies more closely, so they can get the most from their claim.
Read more…Here's how to make your home insurance claim easier and how to access other support measures in place for affected homes.
Read more…* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
Here’s everything you need to know about stamp duty in South Australia and how it’s calculated.
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All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.